16/01/2026
How do Filipinos deal with healthcare?
1) Wala. Some do not even have Philhealth because they are informal workers. So if they get sick, the solution is utang or beg.
2) Philhealth. Common for the working Filipinos but KULANG because it cannot shoulder the full cost of healthcare. Healthcare is not just hospitalization. Healthcare also includes medicines.
3) Family. Some Filipinos rely on their family to help them in times of need. This is not really reliable and is unfair to the people who end up paying for others. Bisan usaon nato og kanta nga family is love... kung problema na gali sa kwarta ang istoryahan, naa gyu'y masuko, naa gyu'y ma-hurt.
4) Company. Some companies have good healthcare programs but it is only good while you are employed with them. As soon as you resign or get fired, you will no longer enjoy that benefit. You cannot work forever. Do you really want to work forever?
5) Prepaid health cards and coop health insurance. This is a cheaper alternative than applying for individual health insurance. But this is only short-term. If you are not able to use these health cards, the money you spent will not go back to you.
6) Long-term healthcare. Payment period is only 7 years. You just need to save for 7 years and wait for your money to grow. If you don't get sick, you will get a bonus for being healthy. Kaiser's long-term healthcare program not only has health benefits but also life protection and investment.
Consider getting a Kaiser Long-Term Healthcare program. This is a good investment.
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